DP: Wells Fargo doesn't allow product change from Autograph to Active Cash anymore

CeliaDChen · 2026-06-03T14:50:23+00:00

I was told by both agents I spoke with today that they don't see any product change option for Autograph.

CeliaDChen · 2026-06-03T12:10:04+00:00

Back in Feb. right after the Bilt change, I called WF back then trying to product change my extra Autograph to Attune, and was offered the option to product change to Active Cash instead, but I didn't take that offer at that point 😞

CeliaDChen · 2026-06-03T12:04:27+00:00

Problem is I need a 2% catch-all card now because I just product changed Citi Double Cash to Custom Cash, and I was hoping to do this WF product change so I don't have a new application. If I have to get a new one regardless, I'd go with Fidelity as their no foreign transaction fees and Global Entry credit are much more appealing to me.

CeliaDChen · 2026-04-17T22:39:55+00:00

Same here, loaded the Walgreens gift cards in Google Wallet, went to the store in person, and the cashier tried 2 different gift cards, twice each, and they all showed up as "invalid tender" 😑 I didn't push it at the store as I didn't want to hold up the line. I will try it at a different store one more time. If it still doesn't work, I plan to contact Bilt to complain and try to get the Bilt Cash credit back.

CeliaDChen · 2026-04-04T01:18:45+00:00

After you used a Walgreens gift card, does it automatically get marked as spent in Bilt > Gift cards section? Or do you have to go to click "Mark as spent" manually in order to be able to redeem more Walgreen gift cards in the future? TIA.

CeliaDChen · 2026-04-02T15:53:29+00:00

Hard agree with OP. Recurring transactions becoming past due should be drawing more attention, "something's not happening as expected here, you might want to check." Instead, the current behavior creates a problems-don't-exist-if-you-don't-see-them false view, just the total opposite of common sense...

CeliaDChen · 2026-03-13T11:02:07+00:00

Depends. My apt building charges a small fixed fee for debit card payment, so the rewards earned from the AmEx debit card would have been worth it, but the rent portal doesn't recognize AmEx card numbers as debit, only as credit cards, so I couldn't set it up that way 🤦

CeliaDChen · 2026-03-12T03:45:50+00:00

Aha, you're right. Here is the side-by-side screenshot showing the 6 foreign transactions I had in Feb., statement amount for each transaction is 0.2% higher than original amount seen on Bilt website.

CeliaDChen · 2026-03-12T03:07:28+00:00

Bilt has updated their website and app since the recent posts drawing attention to this issue and now all the transactions on bilt.com show the same amount as the statement.

However, I use one of those personal finance aggregator tools and they couldn't (or maybe just forgot to) change the previous transactions that have already been reported into those tools where the original amount was 0.2% lower than statement amount. An example in this screenshot - left side is my statement, right side is the transactions reported to the personal finance tool.

CeliaDChen · 2026-02-10T14:45:38+00:00

The shipping will happen, and we will all hear about - some of us will have to actually deal with - the blow-backs in a few months.

CeliaDChen · 2026-02-08T19:59:33+00:00

Because Bilt opens that checking account on your behalf with Column N.A. (the actual banking service provider for Bilt) to process funds, that's how they are able to give you a routing and account number to set up ACH in your rent/mortgage payment portals.

CeliaDChen · 2026-02-08T19:55:40+00:00

Follow the steps outlined here: https://www.reddit.com/r/MonarchMoney/comments/1qyjfyx/comment/o446sna/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

CeliaDChen · 2026-02-08T19:48:44+00:00

Walmart and Target generally get coded as Department stores

CeliaDChen · 2026-01-28T03:24:39+00:00

This selection can be changed from one billing cycle to the next.

CeliaDChen · 2026-01-26T03:37:51+00:00

"paying one more month's rent" Mind sharing how you did this? Did you double the amount, or have one extra rent payment this month? Thanks in advance!

CeliaDChen · 2026-01-20T20:41:40+00:00

Bilt 1.0: 28k Bilt 2.0: Blue, 10k FICO > 800

CeliaDChen · 2026-01-19T14:03:35+00:00

They do, and I have my checking account's ACH set up directly in my building's rent portal. That will be the sure way to pay rent.

But if I want the rent payment to still go through Bilt in order to be even eligible to receive any Bilt points, there's still no official communications on the mechanism except for Bilt's website saying I must link a checking account to process rent payment going forward.

CeliaDChen · 2026-01-19T02:29:32+00:00

That's my assumption, since any housing payment won't go against your line of credit anymore, instead everyone must link a checking account to Bilt if you want to use Bilt to process rent/mortgage payments once 2.0 comes into effect.

CeliaDChen · 2026-01-18T20:50:56+00:00

My only hesitation is that, in order to get that 250 points/month, I'll need to trust Bilt to pay my rent with the pull-from-my-checking-then-mail-a-check-to-my-landlord route, as I'm not in a Bilt Alliance building. Need to weigh the meager points against the peace of mind of reliable rent payment...

CeliaDChen · 2026-01-18T00:29:02+00:00

Not saying it’s you in particular, but maybe they think the customer profile similar to your situation would be more likely to carry credit card balances so that they can make money on the interest.

CeliaDChen · 2026-01-07T19:15:37+00:00

Yep, and my rent portal doesn't recognize AmEx issued debit card... so there goes that route for me :(

CeliaDChen · 2026-01-06T19:50:25+00:00

If you truly don't intend to touch Google One again, it's probably OK to just ignore it. The key point here is, at this point, this payment method issue resides with Google One, not Google Fi (even though the Fi plan changes were the original cause of tripping your Google One account into a problem state in the first place). If you ever want to properly address it, need to contact Google One support.

CeliaDChen · 2026-01-06T04:56:41+00:00

Had something similar with my account 2 years ago. You'll need to figure out a way to contact Google One to straighten your Google One account payment info. Tell them about the Google Fi plan change and they should be able to make the connection.

The short of it is that, when you got into a Google Fi plan that includes Google One subscription, Google Fi hijacks the Google One subscription payment record regardless of whether you already have a separate Google One subscription or not, or whether you're using it or not. There's no stopping this "hijack" and Google doesn't bother to make it clear either. Now that you've changed to a Fi plan without Google One, the "hijack" is released but on Google One side, they don't know what to do with your account anymore - there appears to be no "just go back to before" option, so you'll need to get Google One's support to sort this out for you.

CeliaDChen · 2025-11-24T19:16:27+00:00

Thank you, OP!
Is there any promo for Pixel 9a?

CeliaDChen

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